Conventional Home Loans


A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmer’s Home Administration/United States Department of Agriculture (FHA/USDA) and the Department of Veterans Affairs (VA). A conventional mortgage is typically fixed in its terms and rate, however, adjustable rate options (ARM’s) are available.


  • Down payments as low as 3% (gifts from qualified donor permitted)
  • Can borrow up to 97% of home’s value
  • Higher debt to income ratios accepted
  • Competitive  Interest Rates
  • No funding fee, guarantee fee or up-front mortgage insurance premium
  • 10, 15, 20 & 30 Year Loan Terms Available
  • Flexible property condition requirements

If you're interested in buying a home in Montana, Mann Mortgage can help you make it happen. Please contact us today or apply online in less than 10 minutes using the secure online application below.

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